San Diego County property record for 989 Waterloo Ave, El Cajon, CA 92019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,102 sqft · built 1960 |
| Lot Size | 0.145 acres (6,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Nov 2000) |
| Tax Bill | $1,700 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 514-282-12-00 |
| Primary APN | 514-282-12-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,102 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 6,300 sqft (0.145 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 989 WATERLOO AVE |
|---|---|
| City | EL CAJON |
| State | CA |
| Zip | 92019-3404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-6 |
| Legal Description | LOT 75 TR 004301 |
| Legal Subdivision | ELLEN LANE PARK |
| Legal Tract | 004301 |
| Legal Block | 1 |
| Legal Lot Number | 75 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 15405 |
989 Waterloo Ave is owned and occupied by two individuals who bought it in November 2000.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 989 WATERLOO AVE, EL CAJON, CA 92019-3404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 29, 2000 · Amount on File |
| Deed Sale | Nov 29, 2000 · Amount on File |
| Deed Document Number | 2000648780 |
| Prior Transfer Date | Nov 24, 1998 |
| Prior Transfer Doc | 0000783411 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 989 Waterloo Ave was $1,700.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | El Cajon City |
| Elementary School District | Cajon Valley Union Elementary School District (KG - 08) |
| Secondary School District | Grossmont Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $86,659 (+2%) Land $38,379 Building $48,280 | |
| 2025 | $1,700.00 | $84,961 Land $37,627 Building $47,334 |
| 2023 | $1,573.00 (+5.43%) | $81,664 Land $36,167 Building $45,497 |
| 2022 | $1,492.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 989 Waterloo Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (2001–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2023 · Tropical Storm Hilary |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 989 Waterloo Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.4% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HELIX WATER DISTRICT serves 277,918 people · EPA ID CA3710010 |
|---|---|
| Water Source | Surface water |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wyyerd Connect Fiber | 8,000 / 8,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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